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Learn to Shoulder Debt

"The biggest lesson I learned from being $10,000 in debt? I had to be willing and able to take care of myself. The first step was I found 26 ways —one for each letter of the alphabet—either to cut down on or eliminate spending. My ideas ranged from comparison-shopping and using more coupons to adjusting my haircut schedule (from every four weeks to every six). Within two years, I was able to pay off the debt."